Pet Insurance in South Dakota

  • Prescription diets and dietary supplements for covered conditions (Prescription food or supplements for general health and weight maintenance are not covered)
  • Coverage for microchip implantation
  • 30-day money-back guarantee (Available if no covered claims have been filed, not available in NY)
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What is Pet Insurance for Dogs and Cats?

Pet insurance is similar to the one for us humans. It works as a way to help cover eligible medical costs for your pets against a premium paid. When our pets get unexpectedly injured or sick, we would want to get them the best possible care. This is where pet insurance could help. Get your facts here about is Pet Insurance Worth It.

Just like us human beings, pets also can encounter several diseases. Some minor and others take a huge load out of the pocket and also last the entire lifetime at times. Canine distemper, influenza, heartworms, leptospirosis, external parasites, etc. for dogs and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, and giardiasis, etc. for cats are a few examples of illnesses that can affect our pets. Getting a pet insurance plan can help you focus on getting your pet the care they need. Learn more about how much pet insurance is and how to choose the best pet insurance option.

Why is pet insurance important in South Dakota?

Coyotes

Although Coyotes are the state animal of South Dakota, these wild animals can pose a big threat to our pets. Typically, Coyotes can be found along the Missouri River and in the Black Hills, but some can live near urban and suburban areas in pursuit of food. When Coyotes venture into residential areas in search of food, our pets are at risk of an encounter especially if left outside unsupervised. Pet owners in this state are advised to keep their dogs on leashes and to be on alert while our pets are playing outside. It’s best to keep food indoors and to not leave garbage outdoors to help prevent Coyote encounters with our pets.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$5,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $4,410

You Pay $590

Lyme Disease

Caused by a deer tick bite, both you and your pet can get affected by this disease called Lyme disease, which was first discovered in Lyme, Connecticut. Borrelia burgdorferi, the bacterium causing this disease finds its way to the bloodstream and starts affecting joints, causing general pain in the body of the pets. Vomiting, diarrhea, and fever, are a few symptoms of this disease, however, swollen painful joints yet remain the biggest indicator of it. If left untreated, this disease in dogs can progress to kidney failure and even be fatal in severe cases.

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How Spot Plans Help Protect Your Pet

Diagnostics & Treatments for covered conditions

Spot plans cover diagnostics & treatments for covered conditions.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $360

You Pay $140

Brucellosis

Brucellosis is a canine disease found in dogs, caused by the bacterium Brucella Canis. For pets, the highest chance of this occurring is during breeding programs. Contact with vaginal discharges, semen, birthing fluids, and urine are the main avenues of getting this disease. Aborted pregnancies, stillbirth, and the inability to become pregnant are the main consequences of this bacteria. swollen lymph glands, eye disease, and infections of the spine are some of the symptoms that may appear in dogs. The more threatening fact is that this disease spreads to people as well. There have been several cases in both, dogs and humans, of this disease in South Dakota.

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How Spot Plans Help Protect Your Pet

Infectious Diseases

Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

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Why Spot Plans?

Spot plans help provide comfort to pet parents and their pets. They help provide peace of mind with affordable plan options and an extensive list of coverages. We believe in pet and pet-parent first. Know more about pet insurance reviews and top pet insurance FAQs.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Can I Get Reimbursed for Routine Teeth Cleanings?

Base level plans provided by Spot do not cover routine teeth cleanings.  

However, Spot accident & illness plans cover treatments for dental illnesses.  The only treatment covered for dental accidents is tooth extractions. 

To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month. 

Does Pet Insurance Cover Spaying and Neutering?

Spot’s Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. The Platinum Preventive Care plan is available as an add-on to your base level plan for $24.95/month and provides a total annual benefit of $450 in routine care allowance.

Base level plans provided by Spot do not cover spaying.  

See the breakdown of what Spot’s Preventive Care plan options cover:https://Spotpetins.com/sample-policy/

If my pet has a pre-existing condition can I still get coverage?

Although your pet’s pre-existing conditions may not be eligible for coverage, we believe pet insurance is a good idea to help protect you and your wallet from future eligible bills you may have if your pet develops a new illness or has an accident.

Should I get pet insurance or save money instead?

It’s hard to predict whether that surprise bill will be $500 or $5,000. Pet Insurance might not seem “worth it” until you’re one of the pet owners who have a surprise bill for an unexpected accident or illness. With a Spot plan, eligible vet bills for covered conditions will be reimbursed up to the specified rate, regardless of how much money you saved beforehand.

Can a neutered dog get Brucellosis?

Although it is more common in breeding dogs it can affect neutered ones as well as it can be transmitted through other body fluids.

Which dog breeds are more susceptible to Lyme disease?

The disease can affect any breed, but Golden Retrievers, Labradors, Bernese Mountain Dogs, and Shetland Sheepdogs are known to be more prone to it.